You should live in France, having to pay 15% of the value of your home to be allowed to move, being cash poor (which means having low flexibility) because 50% of what your company pays for you goes to mandatory social things, taxes and insurances and most of the rest goes to fixed expenses.

In France the minimum wage is roughly indexed on inflation (especially if inflation isn't too high) but getting a raise when your salary is higher than this is very difficult, especially without job hopping. Your employer knows that he can risk not giving you a raise and you can't as easily risk being upset about it.